What To Do If I Need To Report A Claim
Addressing our client's needs after being involved in an act of self-defense is our top priority. Our professional, friendly, and knowledgeable Claims staff is passionate about delivering service that is both extraordinary and valued by our clients. We approach each client with integrity, empathy, and action oriented communication in order to promptly guide you through the claims process.
If you are involved in an act of self-defense, the first thing you will need to do is immediately report the incident to the local authorities to request help and medical assistance. Your statement to the local authorities should be brief and limited to include your name, the name of the suspect if known, names of any witnesses, the fact that you are a victim and forced to defend yourself or others. Advise the authorities that you have legal representation available and you will give a full statement in the presence of your attorney. It is advisable not to answer any additional questions until you have consulted with an attorney.
If you have legal representation available to you, your next call should be to your attorney so your rights are protected as the investigation into your case progresses. Advise you attorney to contact us immediately. If you do not have access to legal representation, contact us immediately so we can begin the claims process for you and refer legal counsel on your behalf.
You or your attorney can report the incident and file a claim with us by calling our toll free claims line 24 hours a day, 7 days per week at (877) 263-6468. Store this number in your cell phone and carry it in your purse or wallet with your Concealed Pistol License so this information is readily available in the event you need to contact us.
Does my homeowner policy cover acts of self-defense?
In many cases the answer is no. Most homeowner's policies contain intentional injury exclusions. These intentional act exclusions typically define "self-defense" as an intentional act. Under these exclusions, acts of self-defense are excluded from coverage.
If an individual is accidentally injured on your property, your homeowner's liability coverage will likely cover the medical expenses and resulting legal fees that are incurred in your civil defense. However, if you discharge a firearm at an intruder and you end up in criminal or civil court, the deliberate nature of the act (even in self-defense) means that your homeowners insurance policy likely will not cover the event and resulting costs that are sure to follow.